Debt Consolidation Services

Consumer Debt Consolidation Services work directly with your creditors to come up with the ideal payment plan for you. Since our debt consolidation service only works with non-profit agencies, creditors offer our clients numerous benefits, such as:

Reduce your payments by as much as 50%

Consolidate your payments into one low monthly payment

Eliminate or reduce your high interest rate

Eliminate late charges and other fees

Re-age your past due accounts to improve your credit rating

Debt Consolidation Steps

1. Your specialized debt consolidation counselor will review your budget information and suggest one of our debt consolidation programs. Most debt counseling companies offer few options, while Consumer Debt Consolidation leads the industry with many solutions for your needs. We can refer you to a lender after seven months of on-time and in-full payments to apply for a debt consolidation loan. We cannot however guarantee you a debt consolidation loan since approval or denial is the sole right of the lender. With these unique consolidation programs and top rated customer service, Consumer Debt Consolidation is the leading choice for your financial needs.

2. After you decide which debt consolidation service will benefit you the most , you will decide the date when you will be making your first payment to the counseling office. You have one easy date that will be your payment date every month. No more different due dates to remember or budget for.

3. If after discussing your debt situation with your debt counselor you decide to enroll in our debt consolidation program, the counseling office will contact your creditors to have your monthly payments lowered and your interest rates dropped. You simply then send one reduced monthly payment and the office will distribute the funds to your creditors on your behalf. You will still be receiving your monthly statements, so you can see your balances dropping. If any of your creditors contact you, you can direct them to the counseling office. You'll also be assigned a personal debt consolidation specialist to deal with any questions that may arise.

4. Keep making your monthly debt consolidation payment on time and you will be on the road to a better credit rating, stable finances and eliminating your debts!

Debt Consolidation Results
As a result of the benefits that we will achieve for you, you will be able to pay down your debt in much less time than you could on your own.

Our average debt consolidation client maintains a $10,000 debt with an 18.5% interest rate. Without our debt consolidation services, and by paying only the monthly minimum payment, it would take at least 32 years and $24,500 to pay off the original debts.

With our debt consolidation services that same client's debt will be paid much sooner, usually within 3 to 5 years, even with the reduced monthly consolidated payment!

How?
Interest rate are reduced, consistent on-time payments, and the reduced late charges work together to shrink the total balance owed. Before a client joins the debt consolidation program, most of their payments are applied to interest charges. This barely changes the balance amount. By reducing the interest, you pay off the debt balances much sooner.

Our consolidation services are also designed to provide you with easily accessible help and guidance. Our debt counselors are available to handle harassing phone calls from your creditors, assist with your legal situations and to teach you how to handle credit in the future. Our debt counselors also make budget suggestions so that you can save more money each month and spend your earnings more efficiently.

Do you think you'd be better off declaring bankruptcy?
Consumer Debt Consolidation can help save you those court costs and the loss of your precious assets. Please take the time to talk to one of our debt counselors if you are even considering bankruptcy to find out about our alternatives. We will direct you to bankruptcy assistance at no cost if that is the best solution for your situation.